Am I eligible to apply for a loan?

To get a loan from us, there are some basic eligibility requirements. You must:

• Be applying as an individual (no joint applications, or applications in your company or business name)
• Be a citizen or permanent resident of Australia and currently residing in Australia
• Be earning an income of at least $20,000 per year (you cannot be earning the majority of your income from Government benefits)
• Be considered by us as having an acceptable credit record
• Be at least 18 years of age
• Not have any outstanding defaults
• Not have any court judgements, writs, or bankruptcies
• Not currently in collections for any existing debts

If you are self-employed, you must also:

• Have been trading for at least 2 years
• Provide the previous financial year's tax return, that shows income has been paid to you from your business, and the notice of assessment
• Be borrowing for predominantly personal or personal investment purposes